Life

Life insurance is among the most heavily regulated industries. Life insurance and annuity products are constantly evolving to keep pace with market demands and changing federal and state statutory and regulatory requirements. It is no surprise, then, that our clients rely on our Life Insurance practice attorneys to guide them through complex regulatory processes.

Our Life Insurance attorneys are among the top legal experts in the field, with extensive experience in the life insurance industry, including as regulators in New York. We offer our clients personal attention on a wide range of life insurance legal matters from product regulation, market conduct, corporate conduct and financial condition regulation, both in New York and throughout the nation.

We have represented various segments of the life insurance industry, providing services on topics which include:

  • Multi-state review and analysis
  • Policy forms and rate filings, certified and prior approval process for: – Individual annuities – Individual life insurance – Group annuities – Group life insurance – Funding agreements – Synthetic GICs and other incidental or ancillary activities
  • Representation before insurance regulators and government officials
  • Advertising and marketing issues
  • Resolution of statutory exam and market conduct and corporate conduct issues
  • Policy replacement issues
  • Insurance contract drafting and guidance on innovative products
  • Interpretation of new and existing laws/regulations
  • Corporate organizational and holding company issues
  • Licenses for companies, producers and independent adjusters
  • Post approval review files
  • Compensation filings
  • Separate account plans of operation filings
  • Contracts with producers
  • Reinsurance issues
  • Charitable annuity societies
  • Fraternal benefit societies
  • Company compliance policies and procedures
  • Annual reporting to state regulators
    • The satisfaction of our Life Insurance clients is reflected in the significant and ongoing growth of our Life Insurance practice over the past several years.

Practice Area Professionals

Fredric Bodner

Leanne Kontogiannis

Jennifer Sheehan

Ralph Spaulding

To learn more about our Insurance services, please contact Fredric Bodner.